What are the current interest rates at Bayer Heritage Federal Credit Union?

Current rates for Bayer Heritage Federal Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 3.50%, Savings: 10.00%

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Bayer Heritage Federal Credit Union

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Bayer Heritage Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bayer Heritage Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Bayer Heritage Federal Credit Union's top rates as of October 9, 2026 are 3.75% APY on its 12 Month CD, 10.00% APY on savings, and auto loans from 4.00% APR, according to rates verified by MonitorBankRates. Other Bayer Heritage Federal Credit Union CD rates include JUMBO CD SPECIALS - 12 month at 3.70%, 12 Month JUMBO CDS at 3.60%, and 12 Month Share & IRA CD at 3.55%. MonitorBankRates evaluates the financial stability of Bayer Heritage Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.93%. Rates last updated and verified on 10/09/2026.

Bayer Heritage Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bayer Heritage Federal Credit Union? Share your experience about Bayer Heritage Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Bayer Heritage Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.93%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Bayer Heritage Federal Credit Union
Main

788 N State Route 2
New Martinsville, WV 26155

https://bayerhfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Bayer Heritage Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	3.682%	3.75%	12 Months
Min Balance $500,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
JUMBO CERTIFICATE SPECIALS - 12 month	3.633%	3.70%	12 Months
Min Balance $250,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
12 Month JUMBO CERTIFICATES	3.537%	3.60%	12 Months
Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
12 Month Share & IRA Certificate	3.489%	3.55%	12 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
18 Month JUMBO CERTIFICATES	3.489%	3.55%	18 Months
Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
24 Month JUMBO CERTIFICATES	3.489%	3.55%	24 Months
Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
30 Month JUMBO CERTIFICATES	3.489%	3.55%	30 Months
Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
36 Month JUMBO CERTIFICATES	3.489%	3.55%	36 Months
Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
48 Month JUMBO CERTIFICATES	3.489%	3.55%	48 Months
Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
60 Month JUMBO CERTIFICATES	3.489%	3.55%	60 Months
Min Balance $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
18 Month Share & IRA Certificate	3.44%	3.50%	18 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
24 Month Share & IRA Certificate	3.44%	3.50%	24 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
30 Month Share & IRA Certificate	3.44%	3.50%	30 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
36 Month Share & IRA Certificate	3.44%	3.50%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
48 Month Share & IRA Certificate	3.44%	3.50%	48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
60 Month Share & IRA Certificate	3.44%	3.50%	60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%

Bayer Heritage Federal Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	9.532%	10.00%
Min Balance $0 Details Balance: Up to $1000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
High Yield Savings account	-	10.00%
Min Balance $1,000 Details Earn up to 10% APY* on the first $1000 in our new High Yield Savings account! See all the details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
High Yield Savings	0.499%	0.50%
Min Balance $1,000 Details Balance: $1,000.01 to $50,000.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
Christmas Club	0.20%	0.20%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
Vacation Club	0.15%	0.15%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
High Yield Savings	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000.01 and up Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%

Bayer Heritage Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New/Used Vehicles - 24 Mo. Loan	-	-	4.00%	24 months
Details Credit Score: 730+; Grade of Paper: A+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan	-	-	4.00%	36 months
Details Credit Score: 730+; Grade of Paper: A+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan	-	-	4.25%	48 months
Details Credit Score: 730+; Grade of Paper: A+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan	-	-	4.50%	24 months
Details Credit Score: 680 - 729; Grade of Paper: A Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan	-	-	4.50%	36 months
Details Credit Score: 680 - 729; Grade of Paper: A Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo. Loan	-	-	4.50%	60 months
Details Credit Score: 730+; Grade of Paper: A+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan	-	-	4.75%	48 months
Details Credit Score: 680 - 729; Grade of Paper: A Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo. Loan	-	-	4.75%	60 months
Details Credit Score: 680 - 729; Grade of Paper: A Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 72 Mo. Loan	-	-	5.00%	72 months
Details Credit Score: 730+; Grade of Paper: A+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 72 Mo. Loan	-	-	5.25%	72 months
Details Credit Score: 680 - 729; Grade of Paper: A Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 84 Mo. Loan	-	-	5.75%	84 months
Details Credit Score: 730+; Grade of Paper: A+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 24-48 MO.	6.00%	-	6.00%	24-48 months
Details Credit Grade: A+ Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 84 Mo. Loan	-	-	6.00%	84 months
Details Credit Score: 680 - 729; Grade of Paper: A Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75% Oct 5, 20266.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan	-	-	6.25%	24 months
Details Credit Score: 640 - 679; Grade of Paper: B Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan	-	-	6.25%	36 months
Details Credit Score: 640 - 679; Grade of Paper: B Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 24-48 MO.	6.50%	-	6.50%	24-48 months
Details Credit Grade: A Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan	-	-	6.50%	48 months
Details Credit Score: 640 - 679; Grade of Paper: B Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo.	6.50%	-	6.50%	60 months
Details Credit Grade: A+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 6.50% ▼ 0.25 pts · high 6.75% / low 6.50% Oct 5, 20266.50%▼ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo. Loan	-	-	6.75%	60 months
Details Credit Score: 640 - 679; Grade of Paper: B Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 72 Mo.	7.00%	-	7.00%	72 months
Details Credit Grade: A+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.00% ▼ 0.25 pts · high 7.25% / low 7.00% Oct 5, 20267.00%▼ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 72 Mo. Loan	-	-	7.25%	72 months
Details Credit Score: 640 - 679; Grade of Paper: B Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan	-	-	7.75%	24 months
Details Credit Score: 600 - 639; Grade of Paper: C Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 7.75% ▲ 1.50 pts · high 7.75% / low 6.25% Sep 17, 20267.75%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan	-	-	7.75%	36 months
Details Credit Score: 600 - 639; Grade of Paper: C Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 84 Mo.	7.75%	-	7.75%	84 months
Details Credit Grade: A+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 84 Mo. Loan	-	-	8.00%	84 months
Details Credit Score: 640 - 679; Grade of Paper: B Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 5, 20268.00%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 96-132 Mo.	8.00%	-	8.00%	96-132 months
Details Credit Grade: A+ Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 24-48 MO.	8.25%	-	8.25%	24-48 months
Details Credit Grade: B Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan	-	-	8.25%	48 months
Details Credit Score: 600 - 639; Grade of Paper: C Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 96-132 Mo.	8.25%	-	8.25%	96-132 months
Details Credit Grade: A Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 144-180 Mo.	8.50%	-	8.50%	144-180 months
Details Credit Grade: A+ Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 144-180 Mo.	8.75%	-	8.75%	144-180 months
Details Credit Grade: A Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo. Loan	-	-	8.75%	60 months
Details Credit Score: 600 - 639; Grade of Paper: C Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 72 Mo. Loan	-	-	9.25%	72 months
Details Credit Score: 600 - 639; Grade of Paper: C Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 24-48 MO.	9.75%	-	9.75%	24-48 months
Details Credit Grade: C Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 84 Mo.	10.00%	-	10.00%	84 months
Details Credit Grade: B Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.25% → 10.00% ▼ 0.25 pts · high 10.25% / low 10.00% Oct 5, 202610.00%▼ from 10.25% Sep 14, 202610.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 96-132 Mo.	10.25%	-	10.25%	96-132 months
Details Credit Grade: B Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 10.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 84 Mo. Loan	-	-	10.50%	84 months
Details Credit Score: 600 - 639; Grade of Paper: C Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.25% → 10.50% ▲ 0.25 pts · high 10.50% / low 10.25% Oct 5, 202610.50%▲ from 10.25% Sep 14, 202610.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 144-180 Mo.	10.75%	-	10.75%	144-180 months
Details Credit Grade: B Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 10.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo.	10.75%	-	10.75%	60 months
Details Credit Grade: C Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.75% → 10.75% ▲ 2.00 pts · high 10.75% / low 8.75% Oct 5, 202610.75%▲ from 8.75% Sep 14, 20268.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 72 Mo.	11.25%	-	11.25%	72 months
Details Credit Grade: C Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.25% → 11.25% ▲ 2.00 pts · high 11.25% / low 9.25% Oct 5, 202611.25%▲ from 9.25% Sep 14, 20269.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan	-	-	12.25%	24 months
Details Credit Score: 550 - 599; Grade of Paper: D Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan	-	-	12.25%	36 months
Details Credit Score: 550 - 599; Grade of Paper: D Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 84 Mo.	12.50%	-	12.50%	84 months
Details Credit Grade: C Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.25% → 12.50% ▲ 2.25 pts · high 12.50% / low 10.25% Oct 5, 202612.50%▲ from 10.25% Sep 14, 202610.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan	-	-	12.75%	48 months
Details Credit Score: 550 - 599; Grade of Paper: D Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan	-	-	14.25%	24 months
Details Credit Score: 549 or Less; Grade of Paper: E Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 24-48 MO.	14.25%	-	14.25%	24-48 months
Details Credit Grade: D Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 14.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo. Loan	-	-	14.25%	60 months
Details Credit Score: 550 - 599; Grade of Paper: D Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan	-	-	15.25%	36 months
Details Credit Score: 549 or Less; Grade of Paper: E Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan	-	-	15.25%	48 months
Details Credit Score: 549 or Less; Grade of Paper: E Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 72 Mo. Loan	-	-	15.25%	72 months
Details Credit Score: 550 - 599; Grade of Paper: D Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 24-48 MO.	16.25%	-	16.25%	24-48 months
Details Credit Grade: E Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 16.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo. Loan	-	-	16.25%	60 months
Details Credit Score: 549 or Less; Grade of Paper: E Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 16.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 84 Mo. Loan	-	-	16.50%	84 months
Details Credit Score: 550 - 599; Grade of Paper: D Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 16.25% → 16.50% ▲ 0.25 pts · high 16.50% / low 16.25% Oct 5, 202616.50%▲ from 16.25% Sep 14, 202616.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo.	17.25%	-	17.25%	60 months
Details Credit Grade: E Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 16.25% → 17.25% ▲ 1.00 pts · high 17.25% / low 16.25% Oct 5, 202617.25%▲ from 16.25% Sep 14, 202616.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 72 Mo. Loan	-	-	17.25%	72 months
Details Credit Score: 549 or Less; Grade of Paper: E Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 17.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
New/Used Vehicles - 84 Mo. Loan	-	-	17.50%	84 months
Details Credit Score: 549 or Less; Grade of Paper: E Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 17.25% → 17.50% ▲ 0.25 pts · high 17.50% / low 17.25% Oct 5, 202617.50%▲ from 17.25% Sep 14, 202617.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%

Bayer Heritage Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
IRA Account	0.25%	-	0.25%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%
Share Account	0.10%	-	0.10%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.93%

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Financial Health History

Bayer Heritage Federal Credit Union’s Texas Ratio rose from 5.21% in Q3 2023 to 11.93% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$801M	11.93%	5.0	A
March 31, 2026	$801M	7.13%	5.0	A
December 31, 2025	$786M	10.17%	5.0	A
September 30, 2025	$781M	10.76%	5.0	A
June 30, 2025	$773M	9.27%	5.0	A
March 31, 2025	$769M	8.37%	5.0	A
December 31, 2024	$769M	10.55%	5.0	A
September 30, 2024	$869M	11.00%	5.0	A
June 30, 2024	$872M	7.73%	5.0	A
March 31, 2024	$876M	6.10%	5.0	A
December 31, 2023	$857M	9.35%	5.0	A
September 30, 2023	$737M	5.21%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Bayer Heritage Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Bayer Heritage Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bayer Heritage Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Bayer Heritage Federal Credit Union

Website https://bayerhfcu.com

Address 788 N State Route 2, New Martinsville, WV 26155

Phone 304-455-4029

Fax 304-455-6782

President Jeff Massey

CEO Robert Burrow

Full-Time Employees 145

Part-Time Employees 6

Branch Locations 11

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.93%

Return on Assets (ROA)

0.4066%

Return on Equity (ROE)

4.1074%

Non-Performing Loans Ratio (NPL)

1.68%

Total Assets

800,733,815

Total Amount of Shares and Deposits

721,630,940

Total Shares and Deposits < 1 Year

665,299,233

Total Shares and Deposits 1 3 Years

30,707,452

Total Shares and Deposits > 3 Years

25,624,255

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

49,408,756

Total Uninsured Shares and Deposits > $250K (F+J)

49,408,756

Total Insured Shares and Deposits > $250K (item 17 less item K)

672,222,184

Total Interest Expense (Sum of items 6 8)

7,097,777

Share Certificates

7,138

Number of Accounts for Share Drafts

24,557

IRA KEOGH Accounts

2,934

Number of Accounts for Regular Shares

54,591

Net Income (unless the amount is already included in Undivided Earnings)

3,206,191

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

20,488,069

Total Liabilities

724,964,921

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Bayer Heritage Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Bayer Heritage Federal Credit Union

How many branches does Bayer Heritage Federal Credit Union operate?

Bayer Heritage Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Bayer Heritage Federal Credit Union?

Yes, to access services at Bayer Heritage Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Bayer Heritage Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bayer Heritage Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Bayer Heritage Federal Credit Union offer online and mobile banking?

Most modern institutions like Bayer Heritage Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://bayerhfcu.com.